Verifying the Insurance Coverage of Contractors in Martinsburg WV

Do you want to have your home remodeled? Then find suitable a suitable contractor for the job. To do this, you will need to research Contractors in Martinsburg WV until you find one with the right qualifications to meet the specifications of your job. Part of this entails verifying whether a potential contractor has valid insurance. If you hire an uninsured contractor who is hurt while working in your home, you could be held liable for his injuries. To keep this from happening, use the following steps to confirm the existence of valid insurance for a contractor.

To start this process, call a potential contractor. Politely ask him for the name of his insurance agent. You can call this insurance representative at a later time to request a certificate of insurance. This document is not a copy of an insurance contract but contains information found in one. The insurance agent will have to get permission from the contractor to send you this information. Usually, this can be done over the phone but the contractor may have to fill out a permission form. When you get this certificate, pay close attention to key parts of it.

The producer is the name of the insurance company sending you the certificate. The insured is the name of the contractor. Your name should appear in the area designated “certificate holder”. The contractor’s policy number should be on the certificate. Carefully view the policy effective date and the policy expiration date. The only time work should be done on your home by this contractor is on the effective date through the day before the expiration date. Look at the types of coverage the contractor has. He should have at least workers’ compensation and employer’s liability. Also, ensure that the limits for the insurance coverages are large enough to meet the requirements mandated by your state.

Researching Contractors in Martinsburg WV can be a simplified task when you use the above-mentioned steps to verify insurance. Doing this will enable you to move on with the hiring process. For more information on remodeling services, talk to experts like the ones at Blue Ridge Carpentry. These specialists can handle interior remodeling and exterior remodeling for homes and businesses.